Ramp AP vs Turbine

Ramp AP handles invoice capture, approval routing, and vendor payments through an accounts payable workflow. Ramp says its OCR captures invoice details and line items with 99% accuracy. Bills can be routed to configured approvers, and administrators can control who views, approves, or pays them while maintaining separation of duty. Payment options include ACH, same-day ACH, card, check, domestic wire, and international wire. The free Bill Pay tier includes core features without a monthly software fee, but payment charges vary: standard ACH costs $0.59, checks $1.99, same-day ACH $10, domestic wires $15, and SWIFT USD wires $20. Ramp Plus is listed at $15 a month, plus a platform fee based on team size, and offers a free 30-day trial. Ramp AP can operate without Ramp corporate cards or expense management, and vendors need no Ramp account to receive payment. It connects with named accounting tools including QuickBooks Online, Xero, NetSuite, Sage Intacct, Acumatica, and Microsoft Dynamics 365 Business Central. Access is listed for web, Android, iOS, API, and extension; Ramp says it has no native Mac or Windows desktop app.

Turbine is an online service for businesses handling purchase orders, expenses, time-off requests and employee records. Staff can create and manage purchase orders, submit expense claims with receipts and supporting documents, and request holidays, sick days or other leave. Managers can approve or reject leave requests. Purchasing and expense workflows can use custom approval levels, cost-centre budgets and approved-vendor lists. Turbine offers a native Slack integration, Zapier connections to more than 8,000 apps, and Office 365 and Google sign-in and calendar syncing. It runs on the web and works in phone and tablet browsers; there is no native mobile app. Plans include Tiny at $8 a month for 2 users, Small at $35 a month for 3–20 users, Medium at $79 a month for 21–50 users, and Large at $159 a month for 50–250 users. A 30-day trial is available, but there is no free plan. Turbine says it has no API or direct integration with QuickBooks or other accounting packages.